Tag: credit

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freecreditreport.com not worth the jingle

Mark Cathcart

If you’ve been following along my various blogs, you’ll know since moving to the US I’ve been totally focussed on getting my credit rating in shape. Despite showing up with a letter of referral from my UK bank in 2006 that I’d been a total rockstar managing the mortgage on a $1.2 million dollar home loan, I couldn’t get so much as a contract cellphone. Credit ratings are everything. I didn’t have one. So I’ve tackled this over the past 7-years like a religious zealot. Monitoring it, bumping my rating up to 771/748/771 on my 3-Bureau report. Feeling good, Oh … Continue reading freecreditreport.com not worth the jingle

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Money too tight to mention, credit no longer matters

Mark Cathcart

I’ve finally had a financial epiphany. Since the summer of 2004 I’ve been totally focused on getting a perfect credit rating after I got turned down by AT&T for a lousy monthly cellphone contract as I had a -3 credit rating, despite owning a big house back in the UK and having a near perfect credit rating there. Anyone that reads my rambling will know that until recently I was still anal retentive about this. Especially since I paid off my mortgage and much to my horror, my credit rating dropped. It dropped last month as well and is down from a high … Continue reading Money too tight to mention, credit no longer matters

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Edit to the credit

Mark Cathcart

Some of you know I’ve been on a crusade to get the best credit score I could after arriving here in the US and getting refused a cellphone because I had a -3 rating, ie not-known, does not exist. Over 4-years I managed to get my credit rating to 730, and over the last 2-years I managed to get it up to 781. One thing they tell you in all the credit score get rich quick schemes is that your credit score isn’t a measure of how much money you have, it’s the ration of debt to credit and your … Continue reading Edit to the credit